Cash when you need it most
Choose your amount, verify your phone, and get a decision fast.
How it works
Three steps, all of them on your phone.
Built to be straightforward
We would rather you understood the loan than took it quickly.
What you can count on
- ✓Apply from your phone in a few minutes
- ✓No paperwork to print, sign or post
- ✓Every charge shown before you agree
Fast decisions
The form takes minutes and our team reviews it as soon as it lands. You see the outcome on your dashboard.
Nothing to print
Photos of your documents are enough. There is nothing to sign in an office and nothing to post.
No hidden charges
The fee, the interest and the late payment charge are all written on your dashboard before anything is due.
Your details stay yours
What you send us is used to assess your application, and is not sold or passed on for marketing.
A person to talk to
The WhatsApp button is on every page, before and after you apply. A real person answers it.
Who we can lend to
Check these four before you fill in the form.
Questions we are asked most
If yours is not here, message us on WhatsApp and we will answer it.
Chat on WhatsAppHow much can I borrow?
Move the slider on this page to see the range we are lending at the moment. What we actually approve depends on your income and, if you have borrowed from us before, your repayment record. A first loan usually starts small and grows as you repay on time.
How long does approval take?
Your phone number is verified in seconds. Once your form and documents are in, our team reviews the application and the result appears on your dashboard. We will call you if anything needs clarifying first.
What do I need to apply?
Your MyKad details, your home address, what you do and what you earn, a utility bill in your name, a recent bank statement, the bank account you want the money paid into, and five people we can reach if we cannot reach you.
How do I make a repayment?
Your dashboard shows what is due and when. The Pay to button lists the accounts you can transfer to, and after you have transferred, send us the slip with Upload receipt. Our team checks it and records the payment, so your balance updates after that rather than the moment you upload.
What happens if I pay late?
A late payment charge is added to the installment that was missed. The rate is written on your dashboard with the rest of your loan details, before anything is ever due. If you know you are going to be late, message us before the due date rather than after it.
Ready when you are
Choose your amount and verify your phone. You can stop at any point and pick it up again later.
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